Chattanooga Homes with Conventional Financing available

Chattanooga Homes with Conventional Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled along the banks of the Tennessee River and surrounded by the stunning beauty of the Appalachian Mountains. Known for its rich history and thriving arts scene, Chattanooga is a perfect blend of Southern charm and modern amenities. With a population of around 180,000, this city offers a welcoming community atmosphere that makes it a great place for families, young professionals, and retirees alike.

Chattanooga is renowned for its outdoor recreational opportunities, featuring picturesque parks, scenic hiking trails, and the breathtaking Lookout Mountain. The city boasts an array of attractions, including the Tennessee Aquarium, the Creative Discovery Museum, and the historic Walnut Street Bridge, which invites you to stroll across and take in the stunning views of the river.

When it comes to housing, Chattanooga offers a diverse range of homes that cater to various lifestyles and budgets. Whether you're looking for a charming bungalow in a historic neighborhood or a modern townhouse with all the contemporary finishes, you’ll find it here. What's more, many of these homes are available with conventional financing options, making the dream of homeownership more accessible than ever. This financing flexibility allows potential buyers to explore a variety of properties without the burden of restrictive lending practices.

In Chattanooga, you’re not just buying a home; you’re investing in a lifestyle filled with adventure, culture, and community spirit. Come discover why so many are choosing to call this enchanting city home!

Newest Chattanooga Homes with Conventional Financing available

672 E 17th Street, Chattanooga
$735,000
3 Beds ⋅ 3 Baths ⋅ 1545535 MLS
Facing Jefferson Park with unobstructed southern views of Lookout Mountain, this home sits just two blocks from Main Street on the Southside. It feels like a suburban retreat, yet the city's best dining and shops are a short walk away. Dog walkers, festivals, volleyball and a community garden bring the park to life every day. This immaculate 3-bedroom, 2.5-bath home is filled with natural light, and nearly every room has been redone by the current owners. The newly renovated kitchen features Dekton countertops imported from Spain, and a custom bar adds glass shelving, new built-in cabinetry and a coordinating countertop. The primary suite on the main level has brand-new carpet, while wide-plank Acacia hardwood runs through the rest of the home. Philips Hue lighting makes the house smart-home ready, and the upstairs laundry adds everyday convenience. Outside, you'll find a low-maintenance turf backyard, a private patio and gated fencing. The exterior was painted in 2024, and a detached garage completes the property. One of a kind, in one of downtown Chattanooga's most sought-after neighborhoods.

672 E 17th Street, Chattanooga
320 Chambliss Street, Chattanooga
$745,000
4 Beds ⋅ 4 Baths ⋅ 1545533 MLS
Discover a distinctive North Shore opportunity where views of downtown Chattanooga, the TN mountains, & the TN river create a memorable backdrop for everyday life. Meticulously maintained and enhanced by the sellers, this home brings together inviting gathering spaces, practical improvements, & the flexibility to fit a variety of needs. The living area welcomes you with the warmth & character of a gas fireplace--an inviting setting for quiet evenings at home or gathering with friends. The sellers' addition of a sunroom creates another place to unwind, enjoy your morning coffee, or take a break while taking in the surrounding scenery & abundance of natural light. In the kitchen, an extended island provides a natural gathering spot, whether you are preparing a weeknight dinner or entertaining guests. Additional cabinets with custom pullouts added serves as generous pantry storage, keeping everyday essentials within reach. These improvements add convenience where it matters most, making the kitchen as functional as it is welcoming. The large primary suite offers an oversized primary bathroom, walkin closet, & a laundry chute with a spa tub and standing shower. The sellers have finished portions of the basement, creating flexible areas for a home gym, office, hobbies, or storage. Whether your priorities include working from home, having space for exercise equipment, or keeping seasonal belongings organized, this additional space gives you options to make the home work for your lifestyle. The private accessory dwelling unit added behind the home, currently operating as a short-term rental. This separate living space adds versatility for visiting guests or potential continued rental use, subject to applicable permits and requirements. An oversized garage, additional parking, and fenced in yard further distinguish the property, offering a valuable convenience. Book your appointment today to see for yourself why this is North Shores best home on the market today

320 Chambliss Street, Chattanooga
900 Vine Street 8, Chattanooga
$299,900
1 Beds ⋅ 1 Baths ⋅ 1545532 MLS
Step into Gilded Age grandeur paired with effortless modern living in Chattanooga's premier historic neighborhood. Nestled on the second floor of the iconic, masterfully preserved Samuel Read House mansion, this rare 1-bedroom, 1-bathroom condo perfectly blends turn-of-the-century architectural romance with virtually maintenance-free living. Your experience begins the moment you step through the front doors into the building's spectacular, grand historic lobby--offering an unforgettable, majestic welcome for you and your guests. Ascend to your private second-floor residence to find a light-filled space defined by soaring cathedral ceilings, original grand proportions, and gleaming hardwood floors highlighted by exquisite historic crown and picture molding. The layout features a dual-hearth configuration that brings unmatched ambiance to your daily routine. Unwind in the main living area next to a classic, authentic wood-burning fireplace, or wake up to instant, effortless warmth from the gas-log fireplace right in your bedroom. Just off the living space, your own private deck offers a coveted, exclusive outdoor sanctuary to enjoy your morning coffee or evening wine above the historic streetscape. Designed for maximum day-one ease, the kitchen features a complete appliance package where everything conveys. For ultimate convenience, the washer and dryer are located right in the bathroom, creating a highly functional layout that maximizes every square foot. This property truly defines the modern ''lock-and-leave'' lifestyle. It is incredibly secure and easy to lock up, hit the road, and travel for weeks at a time without a single worry. Better yet, the monthly HOA is a massive budget-saver, covering your water, sewer, professional landscaping, and exterior building maintenance. Parking is made easy with access to the building's private parking lot. For multi-vehicle households or guests, Fort Wood residents enjoy a premier downtown perk: exclusive neighborhood residential street parking permits for an incredibly low $25 per year. Located just steps from UTC, Erlanger, and the Downtown riverfront, this is a rare chance to own an insulated, highly unique piece of Chattanooga history for under $300k

900 Vine Street 8, Chattanooga
732 Lupton Drive, Chattanooga
$234,000
3 Beds ⋅ 1 Baths ⋅ 1545530 MLS
Conveniently located just minutes from Downtown Chattanooga, Hixson, and Red Bank, this well-maintained 3-bedroom, 1-bath ranch offers comfortable one-level living in a convenient location. The functional floor plan features a spacious living area with hardwood floors, an efficient kitchen with granite countertops and updated appliances, a refreshed bathroom, and an attached carport for convenient covered parking. Out back, enjoy a flat, usable backyard with plenty of room for outdoor activities, gardening, entertaining, or simply relaxing. With convenient access to shopping, dining, parks, schools, and major Chattanooga destinations, this home offers a great combination of comfort, functionality, and location. Rent is $1,850 per month with a security deposit equal to one month's rent. Tenant is responsible for all utilities, and a 12-month lease is preferred. Pets may be considered on a case-by-case basis with owner approval. Schedule your private showing today

732 Lupton Drive, Chattanooga
1939 Central Avenue 429, Chattanooga
$1,500,000
3 Beds ⋅ 5 Baths ⋅ 1545519 MLS
Welcome to Central Crossing, a brand-new mixed-use development in the heart of historic Southside Chattanooga with views of Lookout Mountain and Missionary Ridge, convenient to schools, hospitals, and the bustling shopping, dining, and entertainment corridor along Main and Market Streets and the new stadium. This address genuinely has it all. With 32 residential condos and 1-, 2-, and 3-bedroom floor plans available, there's something here for a range of buyers. The only one of its kind, no detail has been overlooked in this corner penthouse unit offering 3 bedrooms and 2 baths, an open floor plan, fantastic natural lighting from the oversized windows throughout, and a private patio taking full advantage of the views. Quality finishes abound, and discerning buyers will appreciate the engineered hardwoods and tile throughout, distinctive baseboards lighting in the hallways and down lighting in the kitchen and baths, ceiling fans and recessed lighting, quartz countertops, custom closet systems and more. Your tour begins with entry into a large foyer with a built-in mud-room style bench seat with storage. The bedrooms are on either side of the hallway leading to the open living, dining and kitchen, including the primary suite which enjoys views of the mountains and city and has a primary bath with a dual vanity, a walk-in shower with a free-standing tub, water closet with built-in cabinetry, and a walk-in closet. The two guest bedrooms also have closet systems and share the use of the full guest bath which has a dual vanity and tub/shower combo with tile surround. The laundry closet is centrally located in the hall and is equipped with a stackable washer and dryer. The living and dining areas are wonderfully open with a curved corner wall, multiple windows and large sliding glass doors to the covered patio providing a wonderful flow for everyday living or entertaining. The kitchen features a unique center island, quartz countertops, custom cabinetry with soft close drawers and stainless-steel GE Profile appliances, including a refrigerator, gas cooktop, double ovens with Wi-fi connect, an under-counter microwave, a dishwasher and a wine fridge. Planning a large gathering or just want to visit with your neighbors, you will love the partially enclosed rooftop patio that has an outdoor kitchen with a grill, icemaker and sink, a gas firepit area under a large oculus, a convenient community bathroom in the elevator lobby and a dog wash station. Parking is available in the interior courtyard lot, side lot, or even on-street, and you will love being just minutes from schools, hospitals, the shopping and restaurants of the Southside, the new stadium and downtown Chattanooga, so please call for more information and to schedule your private showing. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

1939 Central Avenue 429, Chattanooga
4300 Tillie Circle 92, Chattanooga
$268,900
3 Beds ⋅ 4 Baths ⋅ 1545518 MLS
⏳ THIS WEEK ONLY: Lennar pays ALL your closing costs! This offer ends Sunday, and homes like this don't wait. Grab yours before someone else does. Picture your mornings with sweeping Elder Mountain views, and your evenings with the quiet calm of mountain living, all from a brand-new, lock-and-leave townhome at Asbury Oak. It's Chattanooga's most scenic new address, tucked into the natural beauty of Lookout Valley and just minutes from Downtown. The Asbury plan gives you room to spread out: 3 bedrooms, 3.5 baths, and 1,463 sq ft of thoughtfully designed living space. Want something different? The Bluffview (1,127 sq ft) offers a cozier lock-and-leave option. The Coolidge (4BD/3.5BA, 1,796 sq ft) gives you even more space. Lookout Mountain's 3+ miles of trails, Ruby Falls, and Warner Park are right in your backyard. That makes this a nature lover's dream and a smart investment. The HOA handles lawn maintenance, so you can lock up and go whenever adventure calls. And yes, it's all included. With Lennar's Everything's Included® package, you get stainless steel appliances, quartz or granite countertops, 7'' engineered vinyl plank flooring, 2'' blinds, and designer finishes throughout at no extra cost. There are no upgrade packages and no surprises. Just move in and live. Closing costs paid this week only. Call today or stop by Asbury Oak to claim your turnkey mountain escape before it's gone!

4300 Tillie Circle 92, Chattanooga
4251 Asbury Oak Lane 90, Chattanooga
$275,850
3 Beds ⋅ 4 Baths ⋅ 1545515 MLS
Low interest rates courtesy of Lennar!! Picture your mornings with sweeping Elder Mountain views, and your evenings with the quiet calm of mountain living, all from a brand-new, lock-and-leave townhome at Asbury Oak. It's Chattanooga's most scenic new address, tucked into the natural beauty of Lookout Valley and just minutes from Downtown. The Asbury plan gives you room to spread out: 3 bedrooms, 3.5 baths, and 1,463 sq ft of thoughtfully designed living space. Want something different? The Bluffview (1,127 sq ft) offers a cozier lock-and-leave option. The Coolidge (4BD/3.5BA, 1,796 sq ft) gives you even more space. Lookout Mountain's 3+ miles of trails, Ruby Falls, and Warner Park are right in your backyard. That makes this a nature lover's dream and a smart investment. The HOA handles lawn maintenance, so you can lock up and go whenever adventure calls. And yes, it's all included. With Lennar's Everything's Included® package, you get stainless steel appliances, quartz or granite countertops, 7'' engineered vinyl plank flooring, 2'' blinds, and designer finishes throughout at no extra cost. There are no upgrade packages and no surprises. Just move in and live. Closing costs paid this week only. Call today or stop by Asbury Oak to claim your turnkey mountain escape before it's gone!

4251 Asbury Oak Lane 90, Chattanooga
1243 W Fairfax Drive, Chattanooga
$347,500
3 Beds ⋅ 2 Baths ⋅ 1545513 MLS
Welcome to this beautiful home in the desirable Fairfax Heights neighborhood of Chattanooga! Thoughtfully renovated from top to bottom, this home combines modern luxury, quality craftsmanship, and timeless style. Step inside and discover an all new updated interior including a new kitchen, tiled showers, and stylish details throughout. Nothing has been overlooked, with major improvements including all-new plumbing, a new electrical panel and service, and additional upgrades that provide peace of mind and modern convenience. This home offers the feel of new construction with the charm of an established neighborhood. Schedule a showing today! Owner/Agent. Buyer to verify all information they deem important.

1243 W Fairfax Drive, Chattanooga
809 Federal Street, Chattanooga
$665,000
4 Beds ⋅ 3 Baths ⋅ 1545503 MLS
Beautifully Maintained Home in the Highly Sought-After North Chattanooga and Normal Park School Zone! Built in 2015, this move-in-ready 4-bedroom, 2.5-bath home offers a wonderful combination of style, comfort, and convenience. Ideally located within the desirable Normal Park school zone, the home is just minutes from the shops, restaurants, and attractions of Northshore and Downtown Chattanooga, with parks and dining options within walking distance. Step inside to discover a thoughtfully designed floor plan featuring high ceilings, beautiful hardwood floors, and inviting living spaces perfect for everyday living and entertaining. The spacious great room features a fireplace, while the well-appointed kitchen offers granite countertops, stainless steel appliances, custom cabinetry, and an extra-large pantry with plenty of storage. A convenient laundry room and half bath complete the main level. Upstairs, you'll find all four bedrooms, including a spacious primary suite with a large walk-in closet and private bath, along with three additional bedrooms and a full hall bath. Additional features include an attached two-car garage, a new front porch, a small back deck, and an encapsulated basement with a dehumidifier and transferable warranty. Hardwood floors have also been installed throughout the home. Well-maintained and ready for its next owners, this home offers the feel of newer construction with thoughtful updates already in place. As an added opportunity, the owner has also purchased the neighboring lot, which is available for purchase separately. Enjoy the best of North Chattanooga living in a fantastic location close to schools, parks, restaurants, and everything the city has to offer!

809 Federal Street, Chattanooga
1929 Dayton Boulevard, Chattanooga
$400,000
2 Beds ⋅ 1 Baths ⋅ 1545474 MLS
Charming Bungalow, Exceptional Location & Numerous Possibilities on Dayton Boulevard! Discover a unique opportunity in the heart of Red Bank, just one mile from Chattanooga's vibrant Northshore. Offering an appealing combination of character, versatility, and investment potential, 1929 and 1927 Dayton Boulevard are being offered together, creating exciting possibilities for homeowners, entrepreneurs, and investors alike. Full of charm and personality, this inviting bungalow features 9-foot ceilings, hardwood floors, a classic clawfoot tub, and thoughtful architectural details throughout. A screened porch, private gated patio, and accent lighting create welcoming spaces for relaxing or entertaining. The distinctive garage, featuring a café-style glass door and 220-volt outlet, offers additional flexibility for parking, a workshop, or creative pursuits. Both parcels are zoned C-1, presenting potential opportunities for redevelopment, live/work arrangements, or investment uses. The adjoining parcel provides additional flexibility for potential future expansion, parking, or development. The location is equally compelling. Enjoy the convenience of walking to the eclectic mix of shops, restaurants, and studios along Dayton Boulevard, including Dirty Jane's and Ace Hardware. Whitehall Park is nearby, while the vibrant dining, shopping, and entertainment of Northshore and Downtown Chattanooga are just minutes away. A distinctive property offering charm, location, and exceptional potential in one of Red Bank's most convenient corridors. This offering invites you to explore the possibilities. More... Contact me today to schedule a tour.

1929 Dayton Boulevard, Chattanooga
994 Fortitude Trail 23, Chattanooga
$359,900
3 Beds ⋅ 2 Baths ⋅ 1545472 MLS
Under construction with estimated completion in NOVEMBER 2026. Includes Front & Rear Covered Porch and Vector Security SMART LIVING PACKAGE. For a limited time, receive $10,000 toward closing costs or design upgrades when using the builder's preferred lender and title company. This home may also qualify for Chattanooga's Down Payment Assistance Program in conjunction with THDA financing (up to $21,000). See agent for details. The Hampshire by Parkside Builders offers the ease of one level living with 3 bedrooms, 2 full baths, and a spacious 2 car garage. Designed for both comfort and convenience, the open concept layout creates an inviting space for entertaining and everyday living. This home includes exceptional upgrades, including a tiled primary shower, quartz countertops in the kitchen and primary bath, a covered rear porch, and the Parkside Smart Living Package, delivering style and modern functionality throughout. Located in Givens Park, an intimate East Brainerd community of just 28 homes, residents enjoy beautifully landscaped homesites, a peaceful walking trail, and convenient access to Hamilton Place, Trader Joe's, Whole Foods, local restaurants, coffee shops, and the highly sought after East Brainerd schools. Secure your new home now and enjoy the opportunity to own a beautifully crafted Parkside Builders home in one of Chattanooga's most desirable locations.

994 Fortitude Trail 23, Chattanooga
1110 Wheeler, Chattanooga
$169,500
2 Beds ⋅ 1 Baths ⋅ 1545463 MLS
THIS IS AN EXCELLENT OPPORTUNITY FOR A FIRST TIME HOME BUYER THAT CAN DO SOME REMODELING OR UPDATING. GREAT FOR AN INVESTOR WITH A NICE TEN ROOF, NEWER SIDING FENCED IN YARD NICE DECK ON THE BACK . NICE BACK YARD WITH A FENCED IN DOG RUN AREA. TWO BEDROOMS ONE BATH AND SEPARATE DINING ROOM.

1110 Wheeler, Chattanooga
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